Paying by credit card

We accept both credit and debit cards. Many customers are able to use debit cards without issue, but the decision about whether a particular transaction is allowed on debit is made by your bank or card provider.

To begin, add a new credit card.

Your account will be activated automatically upon successful payment. Below is everything you'll need to know in regard to setting up credit card payment and troubleshooting any issues that may arise.

Credit card declines

There are a few reasons a credit card may be declined when you are attempting to pay for Swingvy. This notification is not coming from our software, but directly from your bank or card provider.

Unfortunately, we don't receive specific information about why the card is being declined, or how to correct it. The two most common causes we find for a "card declined" message is:

Your credit card number and expiry date are incorrect. Check and try again.

You are using a debit card, and your bank won't allow this transaction on a debit card.

Solving declined transactions

Contact your bank and ask them why it is being declined. In some cases, it will take a few calls to get the bank to reveal the cause, and their first level support people may not know why.

From our end, we can only check that payments for other cards are going through and that our payment gateway is operating correctly.

International transaction fees

Swingvy supports two currencies for account billing. However, if you pay in a currency that doesn't match the one attached to your credit card, some card providers will charge an extra fee, known as an "international transaction fee" or "foreign currency fee".

This makes the total that you pay slightly higher than what your Swingvy invoice states. The extra charge is usually 1–3% of the invoice cost and it's either charged as a separate transaction on your credit card or added to the invoice total.

Please be assured, Swingvy is only charging you the amount noted on your account invoices. Also, our billing system cannot detect if the extra charge is being added by your bank, so, unfortunately, we can't include the amount on your invoice.

Swingvy tip

1. Not all banks charge international transaction fees. To avoid paying them, look for a credit card provider that does not charge fees for exchanging foreign currency